BCB Resolution No. 567 — Measures for Advisory Services and Minimum Information to Natural Person Clients for Credit Operations under Law No. 15,252 of November 4, 2025

RESOLUTION
BCB NO. 567, OF MAY 4, 2026

Provides for the advisory measures and minimum information to natural person clients regarding credit operations as set forth in Law No. 15,252, of November 4, 2025, by financial institutions and other institutions authorized to operate by the Central Bank of Brazil.

The Collegiate Board of the Central Bank of Brazil, in a session held on April 30, 2026, based on Articles 12, 14, sole paragraph, and 17 of Law No. 15,252, of November 4, 2025, and considering the provisions of Article 6 of Joint Resolution No. 8, of December 21, 2023, and Resolution CMN No. 5,299, of May 4, 2026,

RESOLVES:

Art. 1. This Resolution provides for the advisory measures and minimum information to natural person clients regarding credit operations as set forth in Law No. 15,252, of November 4, 2025, by financial institutions and other institutions authorized to operate by the Central Bank of Brazil.

Art. 2. For the purpose of providing information and subsequent advisory services to natural person clients with persistent or recurrent overdue debtor balances, financial institutions and other institutions authorized to operate by the Central Bank of Brazil must provide information to the credit borrower and advise them on:

I - the understanding of their current state of indebtedness and income commitment;

II - the main aspects of the legislation and regulations applicable to the rights and duties of credit borrowers; and

III - the advantages and disadvantages of renegotiating credit operations.

Sole Paragraph. For the purpose of identifying the clients mentioned in the caput, institutions must consider, at a minimum, debtor balances that are overdue and past due for more than ninety days.

Art. 3. Financial institutions and other institutions authorized to operate by the Central Bank of Brazil must monthly send to the natural person client information on the debtor balance of credit operations in pre-approved and revolving modalities, including credit cards and other post-paid instruments, and the effective monthly rate referring to remuneratory interest and charges incurred, through digital channels, free of charge, including a warning about the emergency and temporary nature of the use of these modalities and the availability of less burdensome credit operations.

Sole Paragraph. The increase in credit limits in special overdraft, credit card, and other post-paid instrument modalities is conditioned upon the client's request or express and prior consent.

Art. 4. Financial institutions and other institutions authorized to operate by the Central Bank of Brazil must make prior communication to their clients regarding changes in interest rates applied to the debtor balance of credit in pre-approved and revolving modalities, including credit cards and other post-paid instruments, observing the following requirements:

I - minimum notice of thirty days prior to the change;

II - use of clear and accessible language; and

III - use of communication channels regularly used for contact with clients, including digital channels.

§ 1. Institutions must ensure to the client, simultaneously with the sending of the interest rate increase communication, the possibility of contract cancellation in a simplified manner, including through digital channels.

§ 2. Changes in interest rates applied to the credit operations referred to in the caput will apply only to the future debtor balance and in the event of renewal of the credit operation after thirty days.

Art. 5. It is prohibited to include the limits of pre-approved or revolving credit modalities as the available balance of deposit or payment accounts.

Art. 6. Commercial advertising related to the offering of credit or post-paid payment instruments and the offer of these products in digital client relationship channels must use clear language and discourage exaggerated or irresponsible use of credit.

§ 1. The offer of the products referred to in the caput in digital client relationship channels is conditioned upon the client's prior authorization.

§ 2. The client may, at any time and with immediate effect, cancel the authorization referred to in § 1.

§ 3. The advertising and credit offer referred to in the caput must follow the principles provided in the regulation that governs the relationship with the client for credit operations, including the regulation of the effective total cost.

§ 4. The commercial advertising and offer referred to in the caput must include a warning about the risks associated with the use of the offered credit modality or instrument.

§ 5. In the case of credit operations in arrears in the National Financial System, the offer referred to in the caput must be restricted to the replacement of current operations with less burdensome modalities.

Art. 7. This Resolution enters into force on July 1, 2027.

GILNEU FRANCISCO ASTOLFI VIVAN
Director of Regulation